I'm not trying to frighten you or upset you, but did you check to see if there's a fee with cancelling a check? Some banks do charge for that.

Everyone's told you this, and I'll tell you, too: It's not stupid to not know everything about bounced checks, finances or whatever. I sure don't. I have a lot to learn. I'm not stupid, just under-educated, LOL! Plus, I haven't had to deal with a lot of that kind of stuff.